Sued by a Debt Collector

Just because you are sued by a debt collector does not mean you will lose. Whoever sues you must show it owns the debt and that you owe the debt.

Debt collector sue you? Find out your 5 options now….

The video above is quite comprehensive but we realize some folks prefer to read rather than watch a video so we have the transcript below.  Feel free to watch (or listen — the slides are not critical to understand the presentation) or read — whatever your preference is…. And I realize you may rather just pick up the phone and call us — feel free to do this by calling 205-879-2447 and we’ll be happy to chat with you.  You… (Read more)


FAQ About Being Sued By A Debt Collector In Alabama

What to Expect When You Are Being Sued — Questions and Answers Regarding Collection Lawsuits Answers are up next So you have been sued by a debt collector (debt buyer) — Asset Acceptance, CACH, Cascade, LVNV Funding, Midland Funding, Portfolio Recovery, Unifund, Velocity, etc. and you have been served with the summons. Or perhaps you are receiving letters from lawyers or non lawyers telling you that you are being sued — what do you do? Our goal is to help… (Read more)


“Why does debt buyer who sued me have to prove it owns the debt?”

Keep it simple — understand difference in OWING a debt and a debt buyer OWNING the debt Why it is critical to understand the difference in “owning” a debt and “owing” a debt! You can only OWE the debt collector or debt buyer if the debt buyer OWNS your debt. Take your house or your apartment.  You owe a mortgage or rent, right? So I sue you. I sue you for your mortgage payment or rent. Do you owe it?… (Read more)


Alabama Consumer Protection Attorney John G. Watts answers your debt collection questions

Alabama Consumer Protection Attorney John G. Watts answers your debt collection questions We did this live webinar on June 6th, 2017, and have typed a form of a transcript below for you with some links.. Welcome to this webinar! Today we’re going to answer some questions that we’ve been asked, including several questions about the debt collector (debt buyer) Velocity Investments, LLC. Let’s get started. “What do I do if a collection lawyer is sending me debt notices at work… (Read more)


Ferry & Nicholas going out of business in Alabama? What do you do now?

What should you do now that Ferry & Nicholas is closing their business in Alabama? If you have been sued by a debt collector or credit card company in Alabama, you’ve probably received a letter from a company called Ferry & Nicholas (F&N), a debt settlement company. They describe themselves as a “mediation” company which is bogus — they are a debt settlement company. You may have hired F&N.  It has come to my attention that F&N may be revoking… (Read more)


What are the first steps to take when sued for an old credit card debt in Alabama?

Find out the best steps to take when sued on an old credit card debt in Alabama. What steps do I need to take after being sued on an old credit card debt? It is scary to be sued on an old credit card debt.  But the way through this is to work at figuring out your options and then taking the best possible action.  Knowledge is great . . . but not enough.  You must have knowledge PLUS action… (Read more)


Are all debt collection lawsuits the same across the country?

Are all debt collection lawsuits the same across the country? We often get questions and comments from folks living outside of Alabama wondering about the debt collection lawsuit process in their state. Specifically we are asked if we can help them directly or can explain how the lawsuit process works in another state. Let’s talk about it. The answer is no. Each state handles debt collection lawsuits differently, so make sure you are looking at the rules for your particular… (Read more)